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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Madeira, St. Augustine — a home near St. Augustine High School.

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Active

Active·94 days on market·Madeira

261 Lamego Lane

St. Augustine, FL 32095

$549,900$306/sqftEst. $3,022/mo mortgageMLS# 2156251
↓ $148,000 below original list
3
Beds
3
Baths
1,796
Sq Ft
2026
Built
2
Garage
No
Pool

40 more homes for sale in Madeira →Search Madeira on the map

FEMA Zone AEHOA $142/moSingle Family Residence1 storyNew construction

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About this home

Madeira

This floorplan begins with a welcoming porch that leads into the entry and passes by the guest suite. The home features a central kitchen featuring a 5-burner gas cooktop, an island with built-in seating space, a walk-in pantry, and an adjacent dining area. The open family room boasts 11-foot ceilings and a wall of windows, seamlessly connecting to a covered lanai for outdoor living. The private primary suite is located at the rear and includes a bathroom with dual sinks, a glass-enclosed shower, and a large walk-in closet. A secondary bedroom is conveniently situated near a full bathroom, laundry room, and drop zone. This home also includes a two-car garage.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$3,022
Property taxesest. at asking price, St. Johns County$732
HOAbilled quarterly$142
Estimated total, before insurance$3,896/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$549,900
$109,980
Loan Term
Monthly Payment
$3,022
Principal & Interest: $3,022
Property taxes (est.): $732
Insurance (est.): $367
Estimated Total Monthly
$4,120
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:32 AM, sunset 6:47 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Oct 22, 2026Price change$549,900−$4,000
  • Oct 21, 2026Price change$553,900+$4,000
  • Oct 20, 2026Price change$549,900−$4,000
  • Oct 16, 2026Price change$553,900−$14,000
  • Sep 24, 2026Price change$567,900+$4,000
  • Aug 21, 2026Price change$563,900−$134,000
  • Aug 21, 2026Price change$697,900+$134,000
  • Jul 24, 2026Price change$563,900−$134,000
  • Jul 20, 2026Listed$697,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $260/sq ft; this home is listed at $306/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
370 Lamego Lane, St. Augustine, FL 32095Listed by PERRY HOMESJun 2026$535,000$2603/22,0571190.1
126 Pescado Drive, St. Augustine, FL 32095Listed by DAVIDSON REALTY, INC.Aug 2026$520,000$2453/22,126760.4
50 Pescado Drive, St. Augustine, FL 32095Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$720,000$3302/22,182350.5
200 Tesoro Terrace, St. Augustine, FL 32095Listed by GPS REALTY LLCSep 2026$749,059$3213/2.52,33400.6
168 Plaza Del Rio Drive, St. Augustine, FL 32084Listed by MCGUIRE REALTY GROUPAug 2026$460,000$2243/2.52,0582210.7
123 Frontera Drive, St. Augustine, FL 32084Listed by LIGHTHOUSE REALTY ASSOCIATESJul 2026$565,000$2564/32,206240.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$549,900
Price / Sq Ft$306
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage1,796
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesWest

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryKetterlinus
Reported middleSebastian
Reported highSt. Augustine
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address261 Lamego Lane, St. Augustine, FL 32095
Area313-Whitecastle/Airport Area
SubdivisionMadeira
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Parcel Number0734321220

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground
Community FeaturesSidewalks
UtilitiesElectricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Plumbed For Ice Maker
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt, Paved
Road FrontageCity Street

Additional Information

Date ListedJuly 20, 2026
Days on Market94
HOA Fees$426 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PERRY HOMES

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Madeira

Madeira is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Madeira homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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